SBA Eligibility Review Officer III

About the role

The SBA Eligibility Review Officer III reviews SBA and USDA guaranteed business loans to determine proper structure and ensure loan closure complies with SBA and USDA eligibility requirements. This role serves as the subject matter expert in SBA servicing procedures and consults on government-guaranteed loan programs for sales, underwriting, and closing teams across HNB markets.

Maintains an individual pipeline of advanced-complexity loans, typically with customer exposure up to $5 million.

Responsibilities

• Assess eligibility of borrowers, co-borrowers, and guarantors to ensure the SBA guarantee can be enforced if needed.
• Collaborate with internal SBA Sales and Operations colleagues to clarify SBA and USDA loan programs, gather eligibility information, and communicate eligibility decisions and reasoning.
• Review use of proceeds, order SBA numbers, prepare SBA Loan Authorization and other SBA forms, ensuring compliance with SBA/USDA requirements.
• Evaluate franchise agreements, purchase agreements, bank notes, and business plans to confirm terms and conditions of SBA credit approval are met.
• Research and resolve complex servicing questions from the SBA and internal teams to maintain the guaranty.
• Advise Financial Recovery Group (FRG) colleagues on workout, liquidation, and litigation of SBA loans, and submit final wrap-up reports to the SBA upon resolution.
• Serve as the main point of contact for commercial loan servicing colleagues to ensure proper accounting and reporting of all SBA loans (1502 Report).
• Assist with training and mentoring new hires and provide support for SBA ERO I and SBA ERO II roles.
• Perform additional tasks to support the line of business and job family as needed.

Requirements

• Bachelor’s Degree and 5 years of HNB SBA/USDA lending or due diligence experience, or a minimum of 7 years of direct SBA/USDA lending or due diligence experience.

Preferred Qualifications

• Bachelor’s Degree in Finance, Accounting, Business, or Economics.
• Knowledge of SBA Standard Operating Procedures (SOP).
• Ability to document and communicate eligibility conditions clearly in accordance with SBA SOPs.
• Experience working in a fast-paced production environment.
• Strong organizational skills, attention to detail, and ability to multitask.
• Confidence, assertiveness, professionalism, and ability to interact with all organizational levels.
• Knowledge of SBA/USDA loan programs; TSoft and SBA Etran experience preferred.
• Proficiency in Excel, Word, Outlook, AFS, and Velocity.
• Excellent verbal and written communication skills for internal and external customer service.
• Strong analytical skills and ability to document transaction risks and mitigants concisely.

Workplace Type

This is an office-based role with potential for a flexible work arrangement, combining in-office and remote work. Remote roles may have opportunities to gather in offices for key moments.

Pay

Compensation range: $77,000 – $154,000 annual salary. Actual compensation varies based on location, experience, and education. Eligible for applicable incentive compensation plans.

Benefits

• Health insurance coverage.
• Wellness program.
• Life and disability insurance.
• Retirement savings plan.
• Paid leave programs, holidays, and paid time off (PTO).